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<p>[QUOTE=&quot;medoraman, post: 1505413, member: 26302&quot;]Ignoring the post 50 year old &quot;catch up&quot; those are the limits, but there is a ton of talk of making them consolidated so I just plan that way. </p><p><br /></p><p>The discussion of pre versus post tax, (tax free or Roth), gets to be convoluted, and really breaks down on individual assumptions. Generically a pre-40 age does better Roth if they can afford the contributions, and post 40 better with tax free contributions. However, that simplistic assumption ignores types of investments, etc. It really is an individual effort to decide since the devil is always in the details. </p><p><br /></p><p>Personally, I am not fully funding mine since I can&#039;t, I am precluded at work by non-discrimination rules to a lower 401(k) amount. Its ok, I use it as an excuse of moving a little offshore since I am not convinced retirement account balances won&#039;t be used to lower SS benefits in the future. Best to have both some money in easily portable PM as well as bank accounts not under the Feds thumb. Not being paranoid just prudent in my view.[/QUOTE]</p><p><br /></p>

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